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5 Golden Nuggets: Warnings and Winning Moves

• #1 The Entire Month Rule: The 62nd Birthday Buzzkillt
• #2 Rest in Peace …Now Return to Sender
• #3 Lump Sum FOMO: When Free Money Is Not Free
• #4 Underwithholding Today May Lead to Regret Tomorrow
• #5 Medicare’s MAGI Lookback and How to Outsmart It

Executive Summary

Advisor Mailbag

Social Security Shake-Up

GUEST EXPERT:
April Reed Crews,

Landmark Legislation Boosts Benefits to Millions of Public Sector Retirees

• GPO Wipeout
• The Hybrid Earner and WEP
• Target Audience
• Refunds Coming
• The No-Check Club: Public Retirees Left Behind
• Show Me the Money
• Case Studies
• The Financial Impact
• Ripple Effects and Unanswered Questions

Executive Summary

Advisor Mailbag

GUEST EXPERT:
Michael O’Leary,

The Clock Is Ticking: Making Retirement and Social Security Claiming Decisions that Count

• Trim the Fat
• Review Employer-Provided Healthcare
• Options
• Options for Medicare Enrollees
• Social Security Claiming Considerations
• Extended Earnings
• Paired Planning
• Use it or Lose it,

The Double Taxation Debate

• Debating Double Taxation
• Ground Zero
• Changing Tides
• Pay-As-You-Go
• Statistics Tell the Story
• Crunching the Numbers
• High Times
• State of the Art

Executive Summary

About That Medicare Annual Enrollment Period

• AEP Basics
• Navigating the AEP
• Healthcare Choices and Long-Term Planning
• AEP Basics

Advisor Mailbag

GUEST EXPERT:
Ed Slott,

Post-Divorce Planning for Social Security

• First Things First: 10 Years, Not 9 Years and 11 Months
• Benefit Cessation Warning
• Length of Marriage Requirements Vary
• Other Eligibility Criteria for Exes
• Independently Entitled Ex-Spouse
• How Much Are We Talkin’?

Beware of WEP/GPO Outliers

• Pension Plus
• Simultaneous Entitlement
• Lump Sum Beware
• Payments from Primary Retirement Plans and Optional Savings Plans
• A Dependent Spouse’s Early Claim Can Lead to Long-Term Cash Flow Deficiencies
• Survivor Step-Up
• Spousal Dependency Beware
• The Quasi-Dependent Spouse

Executive Summary

Advisor Mailbag

GUEST EXPERT:
Annette Hammortree CLTC,

Bridging Social Security Gaps with Life Insurance

• Dollars for Dependents
• Family Maximum Rules May Limit Benefits
• Gap Years
• Widow(er)’s Penalty Beware
• Supplementing Life Insurance

Executive Summary

Advisor Mailbag

GUEST EXPERT:
Mark Annese,

2024 Mid-Year Frequently Asked Questions

• Social Security’s Struggles
• Spousal Benefits
• Sidestepping the Earnings Limit
• Calculating the COLA
• Taxes on Benefits
• Benefit Estimates
• Mastering the Medicare Maze
• Medicare for the Disabled
• Getting Back to Work
• All in the Family
• Taxation and SSDI
• Steps for Application Success

Executive Summary

GUEST EXPERT:
Robert Wright,

Disability Insurance: A Crucial Part of Social Security

• Patience Required
• Defining Disability
• Starting the Process
• Banking On the Blue Book
• When Cash Starts Flowing
• Calculating SSDI Benefits
• Medicare for the Disabled
• Getting Back to Work
• All in the Family
• Taxation and SSDI
• Steps for Application Success

Executive Summary

Advisor Mailbag

GUEST EXPERT:
Jean Priest
J Priest Solutions Retirement &

Overhauling Overpayments

• Changing Times
• Cases in Point
• Overpayment Waiver Criteria
• Smaller Comfort
• Better Safe than Sorry
• Receipt of Other Types of Benefits
• Other Status Changes
• Restoring Faith

Executive Summary

Advisor Mailbag

GUEST EXPERT:
Brad Pistole RICP®,